Wallet and Billing: Pay-As-You-Go Pricing with No Long-Term Contracts
Most call center platforms trap you into annual contracts with opaque pricing tiers, hidden fees, and usage overages that arrive as unwelcome surprises. AgentTech Dialer takes a fundamentally different approach: a wallet-based, pay-as-you-go model where you only pay for what you actually use—with complete transparency, no commitments, and the freedom to scale up or down on your own terms.
How Wallet Billing Works
Why Wallet-Based Billing Changes Everything
Traditional call center software vendors love annual contracts. They lock you in during a sales demo, then you're stuck for 12 months whether the platform works for you or not. You pay for seat licenses you might not use, minimums you might not hit, and "premium features" that should be standard.
AgentTech Dialer's wallet model flips this entirely. Your agency funds a wallet—like a prepaid account—and costs are deducted in real time as you use the platform. No invoices with mysterious line items. No overages. No surprises. Just simple, transparent, usage-based pricing that directly ties your cost to your actual call volume.
This is especially powerful when you're focused on optimizing your cost per acquisition—because you can see exactly how much you're spending on every minute of talk time, making your unit economics crystal clear.
Per-Minute and Per-Seat Pricing Explained
AgentTech Dialer uses a simple two-component pricing model that's easy to understand and predict.
The Two Components of Your Cost
Per-Minute Rate
You're charged a small per-minute rate for every connected minute of talk time. Outbound and inbound calls are billed only for the duration the call is actually connected—not ringing time, not voicemail detection time.
Per-Seat Rate
Each active agent seat incurs a daily or monthly per-seat charge. You only pay for seats that are actually active—if an agent goes on leave, deactivate their seat and stop paying instantly.
Why This Matters
During slow enrollment periods, your costs naturally decrease because you're making fewer calls and can reduce active seats. During AEP or OEP rushes, you can scale up instantly without renegotiating contracts. Your billing automatically mirrors your business activity.
Auto-Recharge: Never Run Out Mid-Call
The last thing you want is for your dialer to stop working in the middle of a busy campaign because your wallet balance hit zero. Auto-recharge eliminates that risk entirely.
How Auto-Recharge Works
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1Set Your Threshold: Choose the wallet balance that triggers a recharge (e.g., when your balance drops below $50)
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2Set Your Recharge Amount: Choose how much to add each time the threshold is hit (e.g., add $200)
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3Link a Payment Method: Attach a credit card or ACH account for automatic charges
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4Set It and Forget It: Your wallet stays funded automatically—you'll get email notifications for every recharge
Best Practice: Set Recharge Thresholds Conservatively
Set your recharge threshold higher than you think you need, especially during peak enrollment periods. If your agency burns through $100/day in calling, set your threshold at $150–$200 to give the auto-recharge time to process before your balance actually hits zero.
Transaction History and Spending Visibility
Every cent that flows through your wallet is tracked, categorized, and available for review at any time. No more wondering where your money went or waiting for an invoice to arrive weeks later.
Transaction Log
Every charge, recharge, and credit is logged with timestamps, amounts, and descriptions. Export to CSV for accounting or reconciliation.
Usage Trends
See daily, weekly, and monthly spending trends so you can forecast budgets and identify cost anomalies before they become problems.
Per-Agent Breakdown
See exactly how much each agent costs in talk time. Identify top performers and agents who might need coaching on call efficiency.
Date Range Filtering
Filter transactions by any date range—last 7 days, this month, custom periods. Drill into specific campaigns or enrollment windows.
The No-Contract Advantage
Long-term contracts benefit the vendor, not you. They guarantee revenue for the software company while limiting your flexibility. AgentTech Dialer's no-contract model means you stay because the platform works—not because you're locked in.
Contract vs. Pay-As-You-Go: The Real Difference
Traditional Contract Model
- 12–24 month commitment required upfront
- Pay for seat licenses whether agents are active or not
- Price increases baked into renewal terms
- Early termination fees if the platform doesn't work out
- Hidden overage charges for exceeding tier limits
AgentTech Pay-As-You-Go Model
- No commitment—cancel anytime with no penalty
- Only pay for active seats and actual talk time
- Pricing stays consistent—no surprise increases
- Scale up or down instantly as business needs change
- Every charge is visible in real-time transaction history
If you've been evaluating platforms, our detailed comparison of AgentTech vs. traditional CCaaS platforms shows how much agencies typically save by switching to a pay-as-you-go model—particularly when it comes to eliminating unused seat licenses and overage penalties.
Cost Predictability for Insurance Agencies
"Pay-as-you-go" doesn't mean unpredictable. Because AgentTech's pricing is purely usage-based, your costs become highly predictable once you understand your calling patterns.
Forecasting Your Monthly Costs
- Count your active agents — Multiply by the per-seat daily rate and the number of working days
- Estimate daily talk minutes per agent — Most insurance agents average 90–150 connected minutes per day
- Multiply by the per-minute rate — This gives you a predictable daily calling cost
- Add them together — Seat cost + calling cost = your total monthly spend, no surprises
Pro Tip: Budget by Enrollment Period
Insurance agencies should budget separately for AEP, OEP, and off-season periods. Your AEP calling costs might be 3–5x your off-season costs due to higher agent counts and longer hours. With pay-as-you-go pricing, this is a feature—not a problem. You only pay the higher rate during peak months.
Scaling Without Financial Risk
One of the biggest advantages of wallet billing is how it removes the financial risk from scaling. When you're scaling your inbound call center, you don't need to negotiate a new contract tier or commit to a higher seat count for the rest of the year.
Scale Up Instantly
Hiring 10 agents for AEP? Activate their seats in seconds. Your wallet covers the cost immediately—no procurement delays, no contract amendments.
Scale Down Painlessly
AEP ended and you're reducing staff? Deactivate seats and your costs drop the next day. No penalty, no wasted licenses, no awkward vendor conversations.
Test New Campaigns
Want to test a new lead source or calling campaign? Spin it up, run it for a week, and see the exact cost in your transaction log. Kill it or scale it based on real data.
Zero Financial Risk
No minimum commitments mean you can experiment freely. If a campaign doesn't work, you've only paid for the minutes and seats you actually used—nothing more.
How AgentTech Compares to Traditional Pricing
To put this in perspective, here's how a typical 10-agent insurance call center would compare across pricing models:
Typical Monthly Cost Scenarios
Traditional CCaaS (10 seats, annual contract):
$150–$250/seat/month = $1,500–$2,500/month base, plus per-minute fees, plus overage charges. Even in slow months, you pay the full seat cost.
AgentTech Pay-As-You-Go (10 active seats):
Per-seat + per-minute charges only for active days and connected minutes. Slow month? Deactivate 4 seats and pay for 6. Busy month? Add 5 more seats instantly. Your costs always match your actual usage.
Watch Out for "Unlimited" Plans
Some vendors advertise "unlimited calling" plans, but read the fine print. Most have fair-use policies that cap your minutes, throttle your dialing speed, or charge overages once you hit an undisclosed threshold. True unlimited calling at a flat rate is economically impossible for the vendor—which means you're either overpaying or about to get hit with hidden restrictions.
Getting Started with Wallet Billing
Setting up wallet billing in AgentTech Dialer takes less than five minutes. Here's the process:
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1Create your account — Sign up and verify your agency information
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2Add a payment method — Credit card or ACH for wallet funding
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3Fund your wallet — Make an initial deposit (start with whatever amount is comfortable)
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4Configure auto-recharge — Set your threshold and recharge amount for uninterrupted service
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5Start dialing — Activate agent seats and begin making calls immediately
Key Takeaways
- Wallet billing gives you real-time visibility into every dollar you spend on your call center
- Per-minute + per-seat pricing means you only pay for what you actually use—no minimums, no overages
- Auto-recharge keeps your operations running smoothly without manual intervention
- No contracts mean you're free to scale up, scale down, or leave at any time with zero penalty
- Full transaction history makes budgeting, forecasting, and accounting simple and transparent
Wallet-based billing isn't just a pricing model—it's a philosophy of transparency and fairness. Your call center software should earn your business every month, not hold you hostage with a contract. With AgentTech Dialer, you're always in control of your spending.
Start With Pay-As-You-Go Pricing Today
No contracts. No commitments. Just transparent, usage-based pricing that scales with your business.
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